unreasonable proposals, and not dig into the data, into the operational concerns of consumer markets. i think, by this rule, and by the comments you heard today, that they fully did so, and produced a rule that is designed to help consumers, but also to work for industry, so there will be credit available. >> thank you. perhaps i can ask the same question to you. is this a necessary but not sufficient condition for a return to a more vibrant mortgage lending market? what else has to happen? what are the markers that we, as market participants, consumers, and regulators should be looking at? >> of course, there is more work to be done in implementation of this rule. there are also important issues in servicing rules, and of course, the qrm.